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MOST COMMONLY ASKED QUESTIONS ABOUT LIABILITY INSURANCE <br /> Q: If I do not have a certificate, is may club still covered? <br /> A: Yes, liability coverage is in place from the day you <br /> register your club. Of course you must renew your club <br /> membership annually. <br /> Q: When do I request a second party certificate? <br /> A: If the facility, where you are operating your club or <br /> • holding an event, does not ask to be named as additional <br /> insured (third party) , mut' wantg to see proof that your <br /> club has its own liability coverage. Only your club's name <br /> will appear on on second party certificate. <br /> Q: What is the difference between a second party and a third <br /> party certificate? <br /> A: FIRST PARTY: USA/ABF as the policy holder. SECOND PARTY: <br /> tt ALL registered members, athletes, non-athletes and clubs. <br /> THIRD PARTY: Any non-member, who wishes to be named. as an <br /> additional insured on the certificate of liability, is the <br /> third party and their name will appear on the certificate' <br /> as "Insured". <br /> Q: Our club owns a van. Is it covered: <br /> A: No, you must obtain your own car insurance. <br /> Q: Are spectators covered? <br /> A: . Yes, spectators at events and in the gym are covered. <br /> INS 89/90-11 <br />